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Hi all
I was after some help and advise please. I cancelled my previous PCP car finance deal with Audi finance with a VT once I had paid up to the usual mid point which allowed me to cancel with no further charges. My car was way over mileage, I took out a 10,000 pa mileage deal and actually drove approx 30,000+ pa, so Audi finance were writing to me for payment of excess mileage of £5674.55. I wrote back to Audi initially stating that under the terms of the consumer credit act I had VT'ed my agreement and no further payment was due. They then passed the debit over to Blake Morgan, whose letters I have ignored and now they have just sent me a County Court Claim for £5704.48
The particulars of the claim state that I entered into the Consumer Credit act 1974 and the defendant has suffered loss and damage being the sum of £5674.55. The claimant has demanded that the defendant pay the sum outstanding in accordance with the terms of the financial agreement. However the defendant has failed to do so and the claimant claims the sum of £5674.55 with contractual interest at 3.85% per annum and further interest on a daily basis until payment, together with the costs on an indemnity basis pursuant to the agreement.
I can see there is an excellent amount of information provided on this site and was wondering if you could help me with what to write in disputing this claim and do you think I have a good chance disputing this claim? As an interesting aside, I only entered into this agreement on a low mileage basis because I was told by Audi Finance on the phone that excess mileage charges weren't payable if I VT'ed my agreement. I'm sure this will be strongly denied by Audi though!
Many thanks
I was after some help and advise please. I cancelled my previous PCP car finance deal with Audi finance with a VT once I had paid up to the usual mid point which allowed me to cancel with no further charges. My car was way over mileage, I took out a 10,000 pa mileage deal and actually drove approx 30,000+ pa, so Audi finance were writing to me for payment of excess mileage of £5674.55. I wrote back to Audi initially stating that under the terms of the consumer credit act I had VT'ed my agreement and no further payment was due. They then passed the debit over to Blake Morgan, whose letters I have ignored and now they have just sent me a County Court Claim for £5704.48
The particulars of the claim state that I entered into the Consumer Credit act 1974 and the defendant has suffered loss and damage being the sum of £5674.55. The claimant has demanded that the defendant pay the sum outstanding in accordance with the terms of the financial agreement. However the defendant has failed to do so and the claimant claims the sum of £5674.55 with contractual interest at 3.85% per annum and further interest on a daily basis until payment, together with the costs on an indemnity basis pursuant to the agreement.
I can see there is an excellent amount of information provided on this site and was wondering if you could help me with what to write in disputing this claim and do you think I have a good chance disputing this claim? As an interesting aside, I only entered into this agreement on a low mileage basis because I was told by Audi Finance on the phone that excess mileage charges weren't payable if I VT'ed my agreement. I'm sure this will be strongly denied by Audi though!
Many thanks
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